Invest in your financial goals — not in significant risk. A certificate from SJFCU enables you to benefit from guarantee that other risky investments can’t provide, while also providing you with options. Simply select from our range of terms, then sit back and earn your exact, fixed dividend rate. Dividends are higher than traditional savings.


  • Fixed rates, higher than regular savings
  • Locked-in rates provide more guarantee than other risky investments
  • Terms ranging from 1 year to 5 years available
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $1,000 minimum deposit to open
  • Additional deposit coverage - deposits secured up to $500,000, backed by NCUSIF and additional private insurance, Excess Share Insurance (ESI) Corporation